CRAK vs SCHD
VanEck Oil Refiners ETF vs Schwab US Dividend Equity ETF
Which is better, CRAK or SCHD?
CRAK has been ahead.
SCHD has a lower expense ratio. CRAK led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 58.3%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | CRAK | SCHD |
|---|---|---|
| Expense Ratio | 0.61% | 0.06%Best |
| AUM | $183M | $112.2B |
| Dividend Yield | 1.41% | 3.13% |
| Holdings | 26 | 103 |
| YTD Return | +70.86%Best | +26.13% |
| 1Y Return | +83.72%Best | +30.01% |
| 3Y Return (annualized) | +24.75%Best | +16.09% |
| 5Y Return (annualized) | +20.82%Best | +9.95% |
| Volatility (annualized) | 23.8% | 14.8%Best |
| Max Drawdown | -58.8% | -33.4%Best |
| $10,000 over 5 years | $25,745Best | $16,069 |
| Top 10 Weight | 58.3% | 41.5%Best |
| Fund Family | VanEck | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | Aug 18, 2015 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Aug 19, 2015 to Sep 8, 2026 (11.1 years).
CRAK vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 11.1 years both funds cover.
CRAK vs SCHD Performance
VanEck Oil Refiners ETF (CRAK) is an ETF from VanEck and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year CRAK returned +83.72% while SCHD returned +30.01%. Year to date, CRAK is up 70.86% versus a gain of 26.13% for SCHD.
Over three years, CRAK compounded at +24.75% per year against +16.09% for SCHD; over five years the annualized figures are +20.82% and +9.95% respectively. Across the full 11-year window we track, CRAK has the edge at +13.71% annualized vs +11.33%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CRAK has been the more volatile fund, with annualized monthly volatility of 23.8% compared with 14.8% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -58.8% for CRAK and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CRAK charges 0.61% per year while SCHD charges 0.06%. On a $10,000 position that is $61 vs $6 annually, a gap of $55 per year that compounds over a long holding period. On income, CRAK currently yields 1.41% against 3.13% for SCHD.
Holdings Overlap
4.7% of CRAK's money is in holdings SCHD also owns. 0.3% of SCHD's money is in holdings CRAK also owns.
CRAK and SCHD share little of their money.
1 positions in common, counted across the 25 positions we hold weights for in CRAK and 100 in SCHD, against full books of 26 and 103.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for CRAK (99.4% of the fund), and 7 for CRAK that do not appear in SCHD (29.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in CRAK | Weight in SCHD | Difference |
|---|---|---|---|
| DINOHollyfrontier | 4.73% | 0.31% | 4.42% |
You are not choosing between two funds in isolation.
Whichever of CRAK and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CRAK or SCHD?
CRAK has an expense ratio of 0.61% while SCHD charges 0.06%. SCHD is the cheaper option, by $55 a year on a $10,000 investment.
Which performed better, CRAK or SCHD?
Over the past year CRAK returned +83.72% vs +30.01% for SCHD, so CRAK leads on 1-year performance. Over the longest common window we track (11 years), CRAK annualized +13.71% vs +11.33% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CRAK or SCHD?
CRAK has been the more volatile fund at 23.8% annualized versus 14.8% for SCHD. Worst drawdown: CRAK -58.8% vs SCHD -33.4%.
Should I hold both CRAK and SCHD?
CRAK and SCHD have a monthly-return correlation of 0.71, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between CRAK and SCHD?
4.7% of CRAK's money is in holdings SCHD also owns. 0.3% of SCHD's is in holdings CRAK also owns. They hold 1 positions in common, counted across the 25 positions we hold weights for in CRAK and 100 in SCHD.
Which pays a higher dividend, CRAK or SCHD?
CRAK yields 1.41% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than CRAK?
SCHD has a lower expense ratio. CRAK led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 58.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.